Frequently Asked Questions
Does a covered person need to be on campus for coverage to take into effect?
Eligible students are covered while on campus, attending or participating in a college sponsored or recognized activity, including practicums. This includes traveling to or from the Covered Person's home, and campus, within the entire state of Wisconsin. The covered travel time includes the period before the Covered Person's required attendance time and the period after their dismissal or when they complete any extra duties.
Is coverage in place for a student who is traveling internationally for a required course activity?
International travel is covered but cannot exceed two hours each way.
Is coverage in place for a student who is studying at the college library on campus on a day when their class is not in session?
Coverage is in place while on school premises, during school hours and on school days.
Is coverage in place for a student who is driving to and from a school sponsored event?
Coverage is in place to and from a school sponsored event within the entire state of Wisconsin.
For a student who has a blended online course, is coverage in place for the portion of the course when the student is required to be on campus?
Yes, the student with blended courses is covered when required to be on campus, as long as premium has been paid for that student.
What is considered a blended online course?
Blended online courses are a mix of online and in-person courses. Online courses do not necessarily require students to attend class physically, while in-person courses do.
Do I get an ID card?
ID cards are available online. To print an ID card, students should complete the following steps:
- Visit gallagherstudent.com, click "College & University Students and Scholars" and select your school from the dropdown menu.
- Log in using your existing account information (first-time visitors will need to create an account).
- Select "Authorize Account" on the left of your screen under Account Information and enter your student ID number and date of birth.
- Once your account has been authorized, select "Account Home" and click "Generate ID Card."
Does this plan have a deductible? What is a deductible?
No, the Wisconsin Technical Colleges Accident Only Insurance Plan does not have a deductible. Deductible means the amount for which you are responsible before payment is made by the claims company.
Can I go to any doctor or hospital?
Yes, you can go to any licensed provider.
If I receive a bill for services I received or need to be reimbursed, what should I do?
Physicians should bill the claims administrator. The billing information is on the back of your accident insurance ID card that you print off the website. However, if do you receive a bill or you paid for a service and need to be reimbursed, you should submit your bill (and proof of payment if seeking reimbursement) and completed claim form, which can be found at gallagherstudent.com by selecting your school from the drop-down menu and clicking “Claims Company.” Make sure your name, insurance ID number and school name are on the bill, and make a copy for your records. Submissions should be sent to:
Health Special Risk, Inc. (HSR)
8400 Belleview Dr., Ste. 150
Plano, TX 75024
P: 1-866-345-0973
gallagher@hsri.com
How can I check the status of my own claims?
Visit healthspecialrisk.com and create a username and password to look up a specific claim or view a list of all claims submitted.
Can I purchase coverage after the policy terminates?
No, there is no option to continue coverage after this policy terminates.
Is the Student Accident Only insurance primary to my health insurance?
Primary and Secondary payment refers to situations where someone has two insurance policies at the same time. The policy that pays bills first is called the primary insurer. Student Accident Only insurance policy is not health insurance. The Student Accident Only insurance policy pays secondary to your health insurance coverage. This means that your health insurance will be billed first, and the Student Accident Only insurance will be billed after, for any expenses your health insurance policy didn’t cover. The Student Accident Only insurance will then pay for covered expenses up to the maximum of $100,000 per injury.
What if I have a health insurance policy has a deductible?
If your health insurance policy has a deductible due out of pocket before they will pay, the Student Accident Only insurance policy can be used to pay your deductible. Deductible means the amount for which you are responsible before payment is made by the insurance company.
What if my health insurance policy doesn’t cover all of my claim?
If your health insurance policy doesn’t cover the full cost of your claim, the Student Accident Only insurance policy will pay the balance due for covered expenses up to the maximum amount of $100,000 per injury.
What if I don’t have a health insurance policy?
If you do not have a health insurance policy or coverage, the Student Accident Only insurance policy will pay covered expenses/claims from the first dollar due to the health care provider.
Does the Student Accident Only policy cover illnesses? Will it cover a trip to urgent care if I’m sick?
No. The Student Accident Only insurance policy only applies to accidents and injuries. Illnesses, including medical conditions and allergic reactions, are not covered by the Student Accident Only insurance policy.
Optional Additional Products
Student Personal Property Protector Plus
Gallagher Student offers a comprehensive Personal Property Insurance Plan. The coverage is available to college/university students, faculty and staff for the protection of personal and university property in the custody of the Insured.
This specially designed plan will cover losses that a homeowner's policy generally does not. This includes computers, cell phones, mp3 players, books and clothes damaged as a result of theft, water, earthquake, vandalism or even accidental damage.
Plan Highlights
- Low deductibles
- Attractive pricing
- Worldwide protection
- Full 12-month policy period
- 30-day money-back guarantee if not satisfied
- Free identity theft protection
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